The Peoples Bank of Wyaconda ("Bank") internet banking agreement ("Agreement") plus any revisions through the current date are available for you to read at any time at the Bank's website at www.pbwbank.com. You will receive a disclosure statement periodically with either a hard copy of the Agreement with any Revisions or the Agreement with any Revisions will be posted on the Bank website identified above. You should check the full Agreement plus any Revisions at the Bank's website periodically, if you have any questions or want to check on any Revisions to the Agreement. If you prefer to receive a hard print copy of the Agreement with any Revisions at any time, you may request that by calling the Bank at 660-727-2941. The Bank has the discretion to change the terms of the Agreement at any time. If you use internet banking services ("Internet Banking Services") at any time after the revision ("Revision") has been made, you are obligated for all terms of the Agreement including any Revisions for the Internet Banking Services, except for changes and obligations due for transactions related to your Internet Banking Services on dates before the date of the Revision to the Agreement. At the Bank's sole discretion the Bank may also notify or disclose to you in writing ("Notice") from time to time for any such Revisions. In addition, the Bank may from time to time or annually provide you a written disclosure ("Notice" or "Disclosure") of the terms of the Agreement and any Revisions to the Agreement. The Notice of Disclosure may be provided by a printed hard copy document or through any email, internet, facsimile or other electronic ("Electronic") communication. At such time the Bank may request that you sign and return a new Agreement or acknowledge the Agreement by your written or Electronic response. If you do not respond or have never provided a hard copy written response acknowledging your agreement to the Agreement, your use of the Internet Banking Services will function as your agreement to any existing Agreement, new Agreement or Revisions. The use of your Internet Banking Services by you, or any other users you authorize to use your Internet Banking Services, will serve as your acknowledgment and acceptance, along with your other authorized users, to be bound by the terms and conditions of the Agreement, in addition to or in lieu of your signing electronically or in a written hard copy format. This is intended to be for the convenience of both you and the Bank. The use by you or anyone of your authorized users for your Internet Banking Services will bind you and all your authorized users, from the time of the first use of the Internet Banking Services by any single authorized user. If you or any of your authorized users of your Internet Banking Services have any questions, please call the Bank at 660-727-2941. The Bank appreciates the opportunity to provide these services to you.
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